Credit information is personal information that has a bearing on credit that has been provided to you or that you have applied for. This includes credit for personal use and credit in connection with a business. It can also cover information about you as a guarantor of a loan.

If you apply for credit or give a guarantee, we may ask for identification information. We may also collect information about your financial position for the purpose of assessing an application for credit and to assist in the ongoing management of the credit product or guarantee.

Sometimes we collect credit information about you from other people. For instance, credit reporting bodies or opinions from other lenders about your creditworthiness.

Much of the information we hold about you will be stored electronically in secure Westpac Group owned data centres located in Australia. We use a range of security measures to protect the credit information we hold.

We may share your credit information with other Westpac Group companies or external organisations to assist us in approving and managing credit. For example, credit reporting bodies, payment system operators, or insurers. We may also disclose your credit information to our third party service providers that may be located overseas.

Access to and correction of credit information

You can request access to credit information we hold about you. You can also ask for corrections to be made. To do so, please contact us on the details listed at 'Contact us'.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.